Insurance for
cleaning businesses
Protect your contracts, your crews, and your keys. Casey covers office, medical, retail, and industrial cleaning — general liability, janitorial bonds, workers’ comp, and auto in one place, with the bonded-and-insured proof bid packets ask for. One conversation in plain English: we compare the whole market and bring back the best value for your risk.
Mostly exterior and pressure washing? See pressure washing insurance
What it is
What janitorial insurance covers.
“Bonded and insured” is two different things — and commercial clients check for both. Most cleaning operations carry these five lines.
You don’t need to know which ones you need. Tell us about your contracts and your broker builds the stack.
Who needs it
Every kind of cleaning operation — priced differently.
Office & commercial routes
The broadest appetite in the class — most markets will quote nightly office work. The job is making them compete, not finding one who says yes.
Medical & clinical facilities
Biohazard exposure, compliance requirements, and stricter contracts. Medical sites push the rate up — we make sure it’s priced on your actual scope, not a worst case.
Post-construction cleanup
Active-site exposure with GC contract requirements to match — additional insured, waivers, and higher limits. Priced separately from your routine routes.
Floor care & specialty work
Strip-and-wax, buffing, and chemical work carry surface-damage exposure that routine dusting doesn’t. Tell us the mix; we quote the mix.
Solo cleaners & first contracts
First-year operations pay more, but several of our markets write them — and the contract that gets you started will require proof before the first shift.
Something in between?
Most operations are a mix of buildings and services. Describe your actual contracts in the form — that’s what your broker prices.
Insurance without the homework.
01
One conversation
Tell us what you do in plain English. We ask the right questions, tell you what coverage you need, and build the application for you.
02
Pay less for more
Our technology scans the market and finds the best value for your risk. Your broker then tailors the coverage — no gaps, nothing you don’t need.
03
White-glove service
Instant self-serve COIs. Around-the-clock support for everything else. No office hours, no waiting on a callback.
04
A broker who picks up
A licensed broker owns your account through every renewal. Call, and someone who knows your business answers.
Common questions
Janitorial insurance, answered.
How much does cleaning business insurance cost?
Payroll, crew size, and the buildings you clean set the number. As a rough anchor, General Liability for a solo cleaning business often runs $500–$1,200 a year — and a janitorial bond adds surprisingly little. Medical and industrial sites push it up.
What does “bonded and insured” actually mean?
Insurance (GL) answers for accidents — the slip on a wet floor. The janitorial bond answers for employee dishonesty — theft from a client’s premises. Commercial contracts typically require proof of both, and we issue both on the same day you bind.
A bid packet wants proof of bonding and a COI. How fast can I get them?
Same day once you’re bound, self-serve after that. We read the bid requirements and build the certificate to match — limits, additional insured, and the bond amount the contract names.
An employee is accused of taking something from a client site. What happens?
That’s exactly what the janitorial bond is for. You report it, the bond responds to the client’s loss, and your GL and client relationship stay intact. Without the bond it’s your checkbook and your contract on the line.
Do employees driving their own cars between sites need anything?
Yes — hired & non-owned auto coverage. If a crew member causes an accident driving their own car between your buildings, the claim can reach your business. It’s an inexpensive add-on to your auto policy.
Let’s get started.
Send it in and a licensed broker calls you back right away.
Want to speed up your quote?